By continuing, you agree to LoansJagat's Credit Report Terms of Use, Terms and Conditions, Privacy Policy, and authorize contact via Call, SMS, Email, or WhatsApp
Disclaimer: The information published on LoansJagat is intended for general informational and educational purposes only and should not be considered financial, legal, or investment advice. Interest rates, loan terms, statistics, and other data may change over time and may vary by lender or source. Please verify the latest information and consult a qualified financial advisor or the respective Bank/NBFC before making any financial decisions.
Subscribe Now
About the author
LoansJagat Team
Contributor‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.
Related Blog Post
Simplify All Your Loans Into One Affordable EMI
Customers Served
Debt Consolidated
1200+ Reviews
Locations in India
Club all Loans & Credit Card Bills into Single EMI
Quick Apply Loan
Consolidate your debts into one easy EMI.
Takes less than 2 minutes. No paperwork.
10 Lakhs+
Trusted Customers
2000 Cr+
Loans Disbursed
4.7/5
Google Reviews
20+
Banks & NBFCs Offers
Other services mentioned in this article
Suppose you have an SBI Gold Credit Card and ₹45,000 outstanding across three high-cost cards. For simplicity, you opt for the Balance Transfer facility on your SBI Gold Credit Card, which charges 0% interest for the initial 3 months. You choose to repay the ₹45,000 in 12 simple EMIs of ₹3,750 each.
After 3 months, the interest rate jumps to 18% per year, adding ₹506 interest each month. There's also a 3% balance transfer fee, which comes to ₹1,350. Even with these charges, you still save compared to high interest rates on your other cards.
With the SBI Gold Credit Card, you don't just merge your debt into easy payments; you get to shop, travel, and have the flexibility of converting big spends into EMIs. To top it off, you get an add-on card for free for your loved ones, an IRCTC ticket booking facility, and the convenience of easy money.
It's all about keeping your finances more straightforward and more convenient!
The SBI Gold Credit Card is intended to serve your shopping and travel requirements with various special privileges. They offer a complimentary add-on card, a balance transfer on EMI, easy money facility, and the option to order IRCTC tickets for home delivery. With Flexipay, you are allowed to turn big purchases into EMIs.
Read More – SBI Bharat Petroleum Credit Card – Best Fuel Savings Card in 2025
This card offers an instant solution for shoppers and travellers alike. In this article, we’ll cover the unique features of the SBI Gold Credit Card, the application process, eligibility criteria, and details of its fees. Enjoy hassle-free payments and enhanced convenience with this versatile credit card.
Features | Description |
Balance Transfer | The balance transfer facility of the SBI Gold Credit Card enables you to transfer your credit card debt from another bank to your SBI card. This can allow you to settle your debt faster and save on interest.
You can repay the amount in EMIs. To initiate a balance transfer, follow these steps |
Here's the information about fees on the SBI Gold Credit Card in a table format
Facility | Fees |
Joining Fee | ₹299 |
Renewal Fee | ₹299 |
Add-on Card |
₹0 to ₹200: NIL
₹201 to ₹500: ₹100
₹501 to ₹1,000: ₹400
₹1,001 to ₹10,000: ₹600
Alternatively, you can
Send an SMS with "BT" to 56767.
Call SBI customer care at 1860 180 1290.
Benefits
Streamlines debt management by consolidating several cards' balances.
Saves interest by transferring to one with a better rate.
Fees
There might be a balance transfer fee of 3%–5%. The 0% interest promotion isn't permanent, so pay the balance before the rate jumps up.
Let’s understand it with an example
Imagine you have ₹45,000 spread across three credit cards with high interest rates.
You transfer the ₹45,000 to your SBI Gold Credit Card, which offers 0% interest for the first 3 months.
You pay this amount in 12 EMIs, with monthly payments of ₹3,750.
After 3 months, 18% annual interest kicks in, adding around ₹506 each month.
A balance transfer fee of 3% (₹1,350) is added.
This option helps you consolidate debt, save on interest, and pay off your balance faster than with high-interest cards.
EasyEMI | Easy EMI (Flexipay) is one of the SBI credit card facilities, where you can convert purchases into monthly installments. This facility is for SBI Gold credit card members.
For online purchases, choose the "Pay through EMI." option. For retail purchases, ask for EMI conversion while billing.
Split big bills into small, manageable installments. Pay for your purchases in installments over a longer time. Have the flexibility of repayment.
The service is not offered to cardholders with blocked or overdue accounts.
With a 15% per annum interest rate, you go for 6-month EMI. Your EMI would be around ₹5,221 (₹30,000 + interest/6 months).
|
Add-on cards | An SBI Add-On Card lets the primary cardholder share the advantages of their SBI Credit Card with close relatives.
The add-on cardholders can experience most of the benefits and conveniences offered by the primary cardholder.
It's an excellent option to spread the benefits of your card among your family members and make spending more convenient together. |
IRCTC ticket bookings | When you purchase railway tickets using your SBI Gold Credit Card at the railway counter, a surcharge of ₹30 plus 2.5% of the transaction amount is applicable. For tickets booked online through the official IRCTC website (irctc.com), the surcharge is 1.8% of the transaction amount, excluding taxes. |
Free |
Finance Charges | Up to 3.35% per month |
Cash Advance (Domestic ATMs) | 2.5% of the amount withdrawn or ₹300 (minimum) |
Cheque Pickup | ₹90 |
Statement Retrieval | ₹100 |
Late Payment Fee |
*T&C Apply
₹10,001 to ₹25,000: ₹800
₹25,001 and above: ₹950
Disclaimer: The bank has discontinued the SBI Gold Credit Card.
When a bank closes a credit card, it closes the account, ending the cardholder's relationship with the bank.
Here's what generally occurs
What happens to your credit when your card is cancelled?
To contact SBI Gold credit card customer care, you can:
Also Read – SBI Shaurya Credit Card 2025: Quick Guide & Updated Details
By Phone:
By Email:
The SBI Gold Credit Card provides excellent shopping and travel benefits such as simple EMI facilities, balance transfers, and even IRCTC ticket bookings. You get free add-on cards for your family members and can convert large purchases into easy EMIs.
With low interest rates on balance transfers, it is an excellent debt management tool. But watch out for the charges, and make sure you are eligible.
Although the card is no longer available, learning about its characteristics can still be helpful for existing account holders. Call customer service for help, and have a convenient, flexible means of controlling your spending.
Q1: What are the benefits of the SBI Gold Credit Card?
The SBI Gold Credit Card offers the convenience of one-tap international transactions, making it convenient to make payments. You can also have repayment flexibility with the easy EMI facility for your lifestyle and travel expenses. It even provides you with a low rate of interest on transferring outstanding credit card balances, which helps you repay your debt more efficiently.
Q2: Who is eligible for a Gold Credit Card?
Gold or platinum credit cards are usually reserved for those with a good credit history. While some of the most elite cards are invitation-only, others are available and can be applied for with a good credit history.
Q3: Why is a Gold Credit Card significant?
A Gold Credit Card belongs to the elite category, with additional benefits such as increased insurance coverage, special privileges, and privileged discounts. Though having a Gold card carries prestige, it tends to have increased costs and charges as opposed to other cards.
Other Credit Cards | |||
